USE AND OCCUPANCY INSURANCE ยข dGhe AMERICA FORE GROUP of Insurance Companies THE CONTINENTAL INSURANCE COMPANY FiDELITY-PHENIX FIRE INSURANCE COMPANY NIAGARA FIRE INSURANCE COMPANY AMERICAN EAGLE FIRE INSURANCE COMPANY FIRST AMERICAN FIRE INSURANCE COMPANY MARYLAND INSURANCE COMPANY OF DELAWARE ERNEST STURM, Chairman of Lhe Boards Eighty Maiden Lane, ec PAUL L.HAID, President = New York, N.Y THe FIDELITY AND CASUALTY COMPANY ERNEST STURM , Chairman of the Board WADE FETZER President SAN FRANCISCO NEW YO CHICAGO